XYF

X Financial

XYF

Market cap $579M

Overview Fund Activity

14.15 USD

-0.05

0.35%

At close Updated Sep 12, 4:00 PM EDT

Pre-market

After hours

14.15

0.00

0%

1 day

-0.35%

5 days

-3.41%

1 month

0.35%

3 months

-27.02%

6 months

25.67%

Year to date

68.25%

1 year

201.06%

5 years

660.75%

10 years

-60.6%

About: X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, and guarantee services provided.

Employees: 563

Financials Credit Services

0

Funds holding %

of 7,462 funds

–

Analysts bullish %

Fund manager confidence

Based on 2025 Q2 regulatory disclosures by fund managers ($100M+ AUM)

233% more first-time investments, than exits

New positions opened: 20 | Existing positions closed: 6

122% more capital invested

Capital invested by funds: $13.2M [Q1] → $29.3M (+$16.1M) [Q2]

70% more funds holding

Funds holding: 20 [Q1] → 34 (+14) [Q2]

50% more repeat investments, than reductions

Existing positions increased: 6 | Existing positions reduced: 4

5.99% more ownership

Funds ownership: 0.49% [Q1] → 6.48% (+5.99%) [Q2]

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Financial journalist opinion

X Financial (XYF) Q2 2025 Earnings Call Transcript

X Financial (NYSE:XYF ) Q2 2025 Earnings Conference Call August 19, 2025 8:30 AM ET Company Participants Fuya Zheng - Chief Financial Officer Kan Li - President & Director Noah Kauffman - Chief Financial Strategy Officer Victoria Yu - Corporate Participant Conference Call Participants Operator Hello, and welcome to the X Financial Second Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded.

X Financial (XYF) Q2 2025 Earnings Call Transcript

X Financial (NYSE: XYF) Reports Q2 2025 Results: Revenue +66%, Record Loan Originations, Improved Asset Quality

SHENZHEN, China , Aug. 18, 2025 /PRNewswire/ -- X Financial (NYSE: XYF), a leading Chinese fintech platform, today announced its unaudited financial results for the second quarter ended June 30, 2025. Q2 2025 Highlights Total net revenue reached $317.3 million (RMB2,273.1 million), up 65.6% year-over-year ("YoY"), driven by robust loan facilitation growth and healthy platform activity.

X Financial (NYSE: XYF) Reports Q2 2025 Results: Revenue +66%, Record Loan Originations, Improved Asset Quality

X Financial to Report Second Quarter 2025 Financial Results on August 19, 2025

SHENZHEN, China , Aug. 8, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the second quarter ended June 30, 2025, before the open of U.S. markets on Tuesday, August 19, 2025. X Financial's management team will host an earnings conference call at 8:30 AM U.S. Eastern Time on Tuesday, August 19, 2025 (8:30 PM Beijing / Hong Kong Time on the same day).

X Financial to Report Second Quarter 2025 Financial Results on August 19, 2025

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In July, Seeking Alpha welcomed 44 new analysts. This article introduces them and showcases some of their top picks. Analysts provided ratings from Strong Sell to Strong Buy, with detailed justifications based on market trends, company fundamentals, and sector-specific challenges. Key investment theses include bearish views on Netflix, Wayfair, and Capri Holdings, while our analysts were bullish on Bristol Myers Squibb, Kohl's, UnitedHealth Group, and TSMC.

Stock Picks From Seeking Alpha's July 2025 New Analysts

X Financial: An In-Depth Look At This Dirt Cheap Compounder

XYF is a profitable, fast-growing microfinance company in China, trading at a steep discount (3.5x P/E) despite strong fundamentals and improved risk profile. The business has pivoted from the 2020 P2P crisis, now focusing on prime borrowers, maintaining 25% net margins, and delivering solid revenue and loan growth. Risks include VIE structure, low liquidity, credit risk, and Chinese regulatory uncertainty, but these are over-discounted given XYF's stronger balance sheet and improved asset quality.

X Financial: An In-Depth Look At This Dirt Cheap Compounder

X Financial: Stock Quadruples In 12 Months, Still An Asymmetric Bet

X Financial offers an asymmetric upside, with strong growth, stable asset quality, and a capital-light model. The Chinese government stimulus and a shift to consumption-led growth should further boost XYF's end market and revenue trajectory. XYF trades at a compelling 0.8x P/B with a 24% ROE, yielding an attractive 30%—far above peers and sector averages.

X Financial: Stock Quadruples In 12 Months, Still An Asymmetric Bet

X Financial (XYF) Q1 2025 Earnings Call Transcript

X Financial (NYSE:XYF ) Q1 2025 Earnings Conference Call May 20, 2025 7:30 AM ET Company Participants Victoria Yu - IR Kent Li - President Noah Kauffman - Chief Financial Strategy Officer Frank Fuya Zheng - CFO Conference Call Participants Alex Ye - UBS Operator Hello, and welcome to the X Financial First Quarter 2025 Earnings Conference Call. All participants will be in a listen-only mode.

X Financial (XYF) Q1 2025 Earnings Call Transcript

X Financial Reports First Quarter 2025 Unaudited Financial Results

SHENZHEN, China , May 19, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) ("X Financial", the "Company" or "we"), a leading Chinese fintech platform, today announced its unaudited financial results for the first quarter of fiscal year 2025 ended March 31, 2025. First Quarter 2025 Operational Highlights Total loan amount facilitated and originated [1] in the first quarter of 2025 was RMB35,149 million , up 63.4% from RMB21,505 million in the same period of 2024.

X Financial Reports First Quarter 2025 Unaudited Financial Results

X Financial to Report First Quarter 2025 Financial Results on May 20, 2025

SHENZHEN, China , May 15, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the first quarter ended March 31, 2025, before the open of U.S. markets on Tuesday, May 20, 2025. X Financial's management team will host an earnings conference call at 7:30 AM U.S. Eastern Time on Tuesday, May 20, 2025 (7:30 PM Beijing / Hong Kong Time on the same day).

X Financial to Report First Quarter 2025 Financial Results on May 20, 2025

X Financial Files Annual Report on Form 20-F for Fiscal Year 2024

SHENZHEN, China , April 25, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced it filed its annual report on Form 20-F for the fiscal year ended December 31, 2024 with the Securities and Exchange Commission ("SEC") on April 25, 2025. The annual report can be accessed on the Company's investor relations website at https://ir.xiaoyinggroup.com as well as the SEC's website at https://www.sec.gov.

X Financial Files Annual Report on Form 20-F for Fiscal Year 2024

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